Skip to main content

Information on how to get your free credit report

You're entitled to a free copy of your credit report every 12 months from each of the credit reporting companies. 

 According to the Federal Trade Commission, "The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's credit reporting companies. The Federal Trade Commision (FTC), the nation's consumer protection agency, enforces the FCRA with respect to credit reporting companies.

 A credit report includes information on where you live, how you pay your bills, and whether you've been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers and other businesses that use it to evaluate your applications for credit, employment or renting a home."

Here is the link to the FTC's website on Free Credit Reports:

 Federal Trade Commission - Free Credit Reports

Click here for the website to request a free copy of your report:
https://www.annualcreditreport.com





Comments

Post a Comment

Popular posts from this blog

Credit Reports - The good, the bad and the ugly

In the wake of the Equifax breach last summer, I'm sure there are many people who feel a certain amount of apprehension when it comes to discussing or even thinking about their credit report. If, like me, you're in the fifty percent of Americans whose, information was hacked and stolen in the breach, then you are understandably nervous and probably angry at the sloppy manner Equifax and our government have responded. Aside from freezing your credit there is not too much you can do to protect yourself. But, before you choose to freeze, you need to educate yourself as to how this could impact you. Your credit report is used/examined in many transactions that you might not be aware of such as job applications, rental applications and buying insurance. Freezing your credit won't stop you from doing any of those things and it won't affect your credit score, but it will complicate the process because you will need to first unfreeze your credit with at least one and most...
Post a Comment
Read more